PayPal Fee Calculator
Standard US Goods & Services rate verified against PayPal’s official fee schedule, July 2026. Rates change and vary by country, currency, and payment method. Confirm current rates in your PayPal account before pricing.
PayPal charges 3.49% + $0.49 on a standard US Goods and Services transaction. On a $100 sale, that is a $3.98 fee, so you receive $96.02. The rate changes with the payment type: card checkout is 2.99%, in-person QR is 2.29%, and international sales add a cross-border surcharge. Enter your amount above to see the exact fee and net payout, or switch modes to find what to charge so you keep the full amount.
PayPal Fee Rates Table (Common Examples)
Paypal Fee rates vary by location, but here are common U.S. examples:
| PayPal Transaction Type | Fee (US, 2026) |
|---|---|
| Goods & Services (standard) | 3.49% + $0.49 |
| Card / Online Checkout | 2.99% + $0.49 |
| In-person QR code | 2.29% + $0.09 |
| Micropayments | 4.99% + $0.09 |
| International (G&S + cross-border) | around 4.99% + $0.49 |
| Friends & Family (US, bank/balance) | Free |
| Currency conversion | 3% to 4% spread |
This calculator is perfect for freelancers, online sellers, Shopify stores, eBay users, and anyone who receives payments through PayPal. If you are self-employed and want to see what your income adds up to across a year, use our annual income calculator to turn any pay rate into a yearly figure before fees.
What Is a PayPal Fee Calculator?
A PayPal Fee Calculator is a tool that automatically determines how much PayPal charges for a transaction. PayPal fees vary depending on:
- Country or region
- Currency
- Payment type (Goods & Services or Friends & Family)
- Payment method (Card, Bank, Balance)
- Cross-border or international transfers
Our tool gives you real time calculations, making it easy to know exactly what you’ll receive after fees or how much you must request to get a specific net amount.
Does PayPal Charge a Fee?
Yes, on commercial payments. PayPal charges the seller 3.49% + $0.49 on a standard US Goods and Services sale. The buyer pays nothing extra, the fee comes out of the seller’s side before the money lands. Friends and Family transfers funded by a bank or balance are free in the US, but they carry no protection and cannot legally be used for business. If you sell anything, PayPal takes a cut, and this calculator shows exactly how much.
How to Calculate PayPal Fees
You can calculate PayPal fees using the standard formula:
PayPal Fee = (Transaction Amount × Fee Percentage) + Fixed Fee
For example, if PayPal charges 3.49% + $0.49, and you receive $100:
Fee = (100 × 3.49%) + 0.49 = $3.98
Net Amount = $100 – $3.98 = $96.02
Our Paypal Fee Calculator does this automatically no math required.
PayPal Goods and Services Fee Calculator
When buyers pay via Goods and Services, PayPal charges standard fees depending on your country.
This fee is applied to:
- Online sales
- Invoices
- Subscriptions
- Donations
- Marketplace payments
Using our PayPal Goods and Services Fee Calculator, you can instantly find your:
- Total fee
- Net payout
- Required amount to charge
PayPal International Fee Calculator
International transactions include cross-border fees, which are usually higher.
These fees depend on:
- Sender country
- Receiver country
- Currency conversion rate
- Payment method
Our PayPal International Fee Calculator shows:
- International fee
- Conversion rate fee (if applicable)
- Total PayPal charges
- Final amount you will receive
PayPal Invoice Fee
A standard PayPal invoice is charged at the Goods and Services rate, 3.49% + $0.49 in the US. On a $500 invoice, that is a $17.94 fee, leaving you $482.06. For large invoices there is a cheaper option: Pay by Bank (ACH) runs about 1% with a cap, so on high-value invoices it costs far less than the percentage rate. If you send big invoices often, that difference adds up fast.
Why Use Our PayPal Fee Calculator?
- Accurate fee calculation
- Supports international fees
- Includes Goods and Services & card fees
- Shows both fee and net amount
- Shows how much you need to charge to receive a specific amount
- Mobile-friendly
- Updated fee structure
Common Examples of PayPal Fee Calculations
Example 1: Domestic G&S Payment
Transaction: $200
Fee: 3.49% + $0.49
Result:
- PayPal Fee = $7.47
- Net Amount = $192.53
Example 2: International Payment
Transaction: $500
Fee: Cross-border + currency conversion
Result depends on selected countries (calculator shows real-time values).
Example 3: Calculate How Much to Charge
If you want to receive $100 after fees, you cannot just charge $100, because the fee comes out of what the buyer sends. Charge $104.12 instead. The formula is (target net + $0.49) ÷ (1 − 0.0349). The calculator does this automatically in reverse mode.
The above calculator automatically reverse calculates this for you.
Tips to Reduce PayPal Fees
- Use PayPal Friends & Family (for non-business transfers)
- Avoid unnecessary currency conversion
- Use business invoicing tools
- Accept payments in your local currency
- Compare PayPal rates with Stripe, Wise, or Venmo
Our PayPal Fee Calculator helps you calculate PayPal fees instantly for every type of transaction domestic, international, business, or personal. Get transparent and accurate results so you always know your final payout.
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Frequently Asked Questions (FAQs)
How to calculate PayPal fees?
You can calculate PayPal fees using the standard formula:PayPal Fee = (Transaction Amount × Fee %) + Fixed FeeFor example, if the fee is 3.49% + $0.49 and you receive $100, the fee would be $3.98. Our calculator automatically computes fees, net amount, and how much to charge to get your desired payout.
How is PayPal fee calculated?
The standard US Goods and Services rate is 3.49% + $0.49 per transaction.
PayPal calculates its fee based on:
The transaction percentage rate (varies by country)
A fixed fee depending on currency
Whether the payment is domestic or international
Currency conversion fees if applicable
Goods & Services transactions typically have higher fees than Friends & Family payments.
Does PayPal charge a fee for international payments?
Yes. PayPal applies additional cross-border fees for international transfers. If currency conversion is involved, a 3–4% conversion fee also applies. These fees vary by region, and our calculator includes them automatically.
How much should I charge to receive a specific amount after PayPal fees?
To receive a certain net amount, you must reverse-calculate using the PayPal fee formula. Our calculator does this instantly just enter your desired amount, and it shows how much you need to charge so fees are fully covered.
Can I avoid PayPal fees with Friends and Family?
No, not for business. Using Friends and Family for a commercial payment violates PayPal’s terms of service. PayPal can permanently limit the account and hold funds for up to 180 days, and the payment has no seller protection. The 3.49% fee on Goods and Services is partly paying for that protection.
About this calculator: Rates verified against PayPal’s official US fee schedule, July 2026. PayPal fees change and vary by country, currency, and payment method. Always confirm the current rate in your PayPal account before pricing a sale or invoice. This tool is for estimation and does not provide financial or tax advice.